Introduction
If you’re a homeowner exploring options to finance home improvements, education expenses, or consolidate debt, today’s rates as of September 11, 2026, offer promising opportunities to leverage your home equity wisely. For borrowers looking for the lowest variable-rate option, BLAZE Credit Union shines with HELOC rates starting at an attractive 3.990%, holding steady over the past month, ideal if you want flexible access to funds. Those who prefer fixed-rate security might consider Neighborhood Credit Union’s Home Equity Loan at rates as low as 4.540%, offering predictability and peace of mind. Whether you’re budgeting for a kitchen remodel or managing tuition payments, these competitive rates from credit unions can make your borrowing experience smoother and more affordable. With no significant week-to-month rate changes across most programs, now is a stable time to review your financing needs and lock in favorable terms.
Home Equity Loans
| Lender | Product | 2026-09-11 Current | 2026-09-04 7 Days Ago | 2026-08-27 15 Days Ago | 2026-08-12 30 Days Ago | 2026-07-28 45 Days Ago | 2026-07-13 60 Days Ago | 2026-06-13 90 Days Ago | 2026-03-15 180 Days Ago |
|---|---|---|---|---|---|---|---|---|---|
| BLAZE CREDIT UNIONLOWEST | Heloc | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | 3.990 - 4.990% | N/A | 3.990 - 4.990% |
| LISTERHILL CREDIT UNION | Heloc | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | 4.000% | N/A | 4.000% |
| CALIFORNIA CREDIT UNION | Heloc | 4.000 - 12.000% | 4.000 - 12.000% | 4.000 - 12.000% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 5.990 - 9.250% | 4.000 - 12.000% |
| AVADIAN CREDIT UNION | Heloc | 4.490 - 9.250% | 4.490 - 9.250% | 4.490 - 9.250% | 4.490 - 9.250% | 4.490 - 9.250% | 4.490 - 9.250% | N/A | N/A |
| MAX CREDIT UNION | Heloc | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | 4.500% | N/A |
| NEIGHBORHOOD CREDIT UNION | Home Equity | 4.540 - 5.540% | 4.540 - 5.540% | 4.540 - 5.540% | 4.540 - 5.540% | 4.540 - 5.540% | 4.540 - 5.540% | 4.540 - 5.540% | N/A |
| QUALSTAR CREDIT UNION | Home Equity | 4.740% | 4.740% | 4.740% | 4.740% | 4.740% | 4.740% | N/A | N/A |
| METRO FEDERAL CREDIT UNION | Home Equity | 4.750 - 7.500% | 4.750 - 7.500% | 4.750 - 7.500% | 4.750 - 7.500% | 4.750 - 7.500% | 4.750 - 7.500% | 4.750 - 7.500% | 4.750 - 7.500% |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Home Equity | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | 4.750 - 7.000% | N/A | 4.750 - 7.000% |
| BLAZE CREDIT UNION | Home Equity | 6.000 - 8.500% | 6.000 - 8.500% | 6.000 - 8.500% | 6.000 - 8.500% | 6.000 - 8.500% | 6.000 - 8.500% | 6.000 - 8.500% | 6.000 - 8.500% |
| QUALSTAR CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | N/A | N/A |
| METRO FEDERAL CREDIT UNION | Heloc | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | 6.250% | N/A | N/A |
| LISTERHILL CREDIT UNION | Home Equity | 6.750% | 6.750% | N/A | N/A | N/A | N/A | N/A | N/A |
| EAST TEXAS PROFESSIONAL CREDIT UNION | Heloc | 6.750 - 9.750% | 6.750 - 9.750% | 6.750 - 9.750% | 6.750 - 9.750% | 6.750 - 9.750% | 6.750 - 9.750% | N/A | N/A |
| AVADIAN CREDIT UNION | Home Equity | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | 7.250 - 8.250% | N/A | N/A |
Sorted by current rate, lowest first. Scroll sideways for rate history. ▼ means the current rate is lower than last week, ▲ higher.
BLAZE CREDIT UNION
As of September 11, 2026, BLAZE's HELOC rates remain steady between 3.990% and 4.990%, offering flexible borrowing options without rate changes over the past 30 days. The Home Equity Loan rates hold firm at 6.000% to 8.500%, providing fixed-rate stability for borrowers seeking predictable payments. For homeowners prioritizing flexibility, the HELOC’s consistent low rates present an attractive choice. Meanwhile, those preferring long-term fixed payments may find the Home Equity Loan's stable range beneficial for budgeting. For more details, visit https://blazecu.com/personal/borrow/mortgage/rates#Home-Equity,
LISTERHILL CREDIT UNION
As of September 11, 2026, LISTERHILL's HELOC rate remains steady at 4.000%, unchanged over the past 30 days, offering consistent flexibility for homeowners seeking revolving credit. The Home Equity Loan fixed rate holds at 6.750%, providing a stable borrowing option for those preferring predictable monthly payments. With no recent rate fluctuations, these products present reliable choices: HELOCs suit borrowers needing adaptable access to funds, while the fixed-rate Home Equity Loan appeals to members prioritizing long-term stability. For more details, visit https://listerhill.com/borrowing/loans/home.
CALIFORNIA CREDIT UNION
As of September 11, 2026, CALIFORNIA Credit Union’s HELOC rates remain steady between 4.000% and 12.000%, unchanged over the past 15 days. Compared to 30 days ago, the lower end of the range improved significantly from 5.990% to 4.000%, offering more accessible borrowing costs for flexible home equity access. Homeowners seeking adaptable financing may find these HELOC terms attractive due to the wide rate range accommodating various credit profiles and draw periods. For those prioritizing variable-rate flexibility over fixed terms, this remains a viable option.For more details, visit https://www.ccu.com/borrow/personal/heloc/.
AVADIAN CREDIT UNION
As of September 11, 2026, AVADIAN’s HELOC rates remain steady between 4.490% and 9.250%, consistent over the past 30 days, offering flexible borrowing for homeowners seeking variable access to funds. Similarly, Home Equity Loan rates hold firm at 7.250% to 8.250%, providing predictable payments with fixed terms. These stable rates allow members to plan confidently; the fixed-rate home equity loans are particularly attractive for those prioritizing budget certainty over the loan term. For more details, visit https://www.avadiancu.com/rates.
MAX CREDIT UNION
As of September 11, 2026, MAX’s HELOC rate remains steady at 4.500%, showing no change over the past 30 days. This consistent rate offers reliable access to flexible borrowing for homeowners seeking revolving credit. While there are no recent rate shifts to report, the stable HELOC rate of 4.500% continues to be an attractive option for those prioritizing adaptable funding rather than fixed-term loans. Homeowners looking for flexibility in managing home improvements or expenses may find this product well-suited to their needs. For more details, visit https://www.mymax.com/save/personal-financial-rates.
NEIGHBORHOOD CREDIT UNION
As of September 11, 2026, NEIGHBORHOOD Credit Union's Home Equity Loan rates remain steady at 4.540% to 5.540% APR, unchanged over the past 30 days. This consistent rate range provides predictability for borrowers seeking fixed-rate home equity financing. Homeowners looking for stable, long-term borrowing may find these fixed rates appealing for managing larger projects or consolidating debt. While no recent changes occurred, maintaining transparent and competitive pricing supports informed lending decisions. For flexible borrowing needs, consider that HELOC options are not currently listed here. For more details, visit https://www.myncu.com/borrow/home/home-equity-loans.
QUALSTAR CREDIT UNION
As of September 11, 2026, QUALSTAR’s Home Equity Loan rate remains steady at 4.740%, offering a consistent fixed-rate option for borrowers seeking predictable monthly payments. The HELOC rate holds firm at 6.250%, providing flexible access to funds without rate fluctuations over the past month. For homeowners prioritizing stability, the fixed Home Equity Loan is an attractive choice; those needing ongoing liquidity may prefer the HELOC. Both products reflect stable pricing with no recent changes, supporting informed borrowing decisions. For more details, visit https://www.qualstarcu.com/home-equity-loans.
METRO FEDERAL CREDIT UNION
As of September 11, 2026, METRO’s Home Equity Loan rates remain steady between 4.750% and 7.500%, showing no change over the past 30 days. Similarly, the HELOC rate holds firm at 6.250% with no recent fluctuations. The stable fixed-rate home equity loans offer a reliable option for borrowers seeking predictable payments over the loan term. Meanwhile, the HELOC provides flexible access to funds for homeowners who prefer variable borrowing capacity without rate increases. For those prioritizing consistency, the fixed-rate home equity loan is attractive; those valuing flexibility may consider the HELOC option. For more details, visit https://www.metrocu.org/home-equity-rates#line-of-credit.
EAST TEXAS PROFESSIONAL CREDIT UNION
As of September 11, 2026, EAST TEXAS PROFESSIONAL maintains stable home equity rates with no changes over the past 30 days. Home Equity Loans continue to offer competitive fixed rates between 4.750% and 7.000%, appealing for borrowers seeking predictable monthly payments. Meanwhile, HELOC rates range from 6.750% to 9.750%, providing flexible credit access without rate fluctuations this period. Homeowners prioritizing long-term budgeting may prefer the fixed-rate loan, while those needing adaptable borrowing options might consider a HELOC. For more details, visit https://www.etpcu.org/mortgage-loan-rates,
LendMesh
Your home equity is more than a number—it’s potential waiting to be tapped. Whether you need a lump sum or a flexible line of credit, LendMesh helps you compare trusted lenders in one simple place. Start your journey at https://www.lendmesh.com/loans/home_equity_loans .
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Conclusion
If tapping into your home equity feels like the right step, start by comparing both HELOCs and fixed-rate home equity loans carefully, each serves different financial goals. For ongoing expenses or flexibility, a HELOC with its variable rate might be best; for a one-time project or debt payoff, a fixed-rate loan could offer certainty. Don’t rush: check for any upcoming promotions or rate adjustments from your credit union before committing. Also, factor in closing costs and repayment terms beyond just the interest rate to get the full picture. If your credit score and financial situation are strong, locking in today’s low rates could save you money over time. However, if market uncertainty concerns you, waiting briefly while monitoring trends can be wise. Above all, work closely with your credit union advisor to tailor a plan that fits your budget and future goals, empowering you to make smart decisions with confidence.